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Principal Tax Saving Fund - Direct Plan

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 310.05 0.3%
    (as on 30th July, 2021)
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Crisil Rank
Below average performance among peers
Risk-O-Meter
Moderately High

Fund has 98.7% investment in indian stocks of which 61.34% is in large cap stocks, 13.32% is in mid cap stocks, 7.93% in small cap stocks.Fund has 0.02% investment in Debt of which 0.01% in Government securities, 0.01% in funds invested in very low risk securities..

Suitable For : Investors who are looking to invest money for at least 3 years and looking for additional benefits of income tax saving apart from higher returns expectations. At the same time, these investors should also be ready for possibility of moderate losses in their investments and 3 year lock-in period.

Crisil Rank Change : Fund Crisil rank was updated from 3 to 2 in the previous quarter.

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Returns (NAV as on 30th July, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 23-Jul-21 10032.70 0.33% - 0.53% 35/63
1 Month 30-Jun-21 10195.30 1.95% - 3.84% 47/63
3 Month 30-Apr-21 11293.40 12.93% - 15.40% 34/63
6 Month 29-Jan-21 12143.10 21.43% - 28.43% 49/63
YTD 01-Jan-21 12001.60 20.02% - 27.13% 45/63
1 Year 30-Jul-20 15316.40 53.16% 53.16% 64.57% 41/63
2 Year 30-Jul-19 15404.70 54.05% 24.08% 28.80% 42/62
3 Year 30-Jul-18 14223.10 42.23% 12.45% 15.06% 42/59
5 Year 29-Jul-16 20003.20 100.03% 14.86% 14.94% 18/42
Since Inception 02-Jan-13 35910.40 259.10% 16.07% 16.25% 28/57

SIP Returns (NAV as on 30th July, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 30-Jul-20 12000 15041.11 25.34 % 50.17 %
2 Year 30-Jul-19 24000 34066.46 41.94 % 37.78 %
3 Year 30-Jul-18 36000 51660.9 43.5 % 24.91 %
5 Year 29-Jul-16 60000 90920.24 51.53 % 16.64 %
 

Tax Treatment

Portfolio (Updated on 30th Jun,2021)

Portfolio Turnover Ratio : 80.00%  |   Category average turnover ratio is 100.04%  
Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)
Equity Holding : 98.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.70%
No of Stocks : 64 (Category Avg - 47.72) | Large Cap Investments : 61.34%| Mid Cap Investments : 13.32% | Small Cap Investments : 7.93% | Other : 16.11%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
ICICI Bank Ltd. Banks 420.2 7.65% -1.89% 10.05% (Jan 2021) 4.27% (Jul 2020) 6.66 L -1.10 L
Infosys Ltd. Computers - software 395.9 7.21% 2.28% 7.21% (Jun 2021) 4.31% (Nov 2020) 2.50 L 59.93 k
HDFC Bank Ltd. Banks 318.7 5.81% -1.04% 9.09% (Nov 2020) 5.81% (Jun 2021) 2.13 L -0.31 L
Polycab India Limited Cables - electricals 222.5 4.05% 0.55% 4.05% (Jun 2021) 0% (Jul 2020) 1.13 L 0.00
Maruti Suzuki India Ltd. Passenger/utility vehicles 178.2 3.25% 0.13% 3.25% (Jun 2021) 1.12% (Aug 2020) 23.70 k 0.00
Reliance Industries Ltd. - Partly Paid Refineries/marketing 176.5 3.22% -0.15% 3.37% (May 2021) 0.8% (Oct 2020) 1.19 L 1.19 L
State Bank Of India Banks 166.1 3.03% -1.18% 4.21% (May 2021) 1.75% (Sep 2020) 3.96 L -1.38 L
Axis Bank Ltd. Banks 164.3 2.99% -0.47% 3.54% (Apr 2021) 1.36% (Jul 2020) 2.20 L -0.29 L
Tata Consultancy Services Ltd. Computers - software 152.1 2.77% 0.11% 3.99% (Sep 2020) 2.59% (Feb 2021) 45.45 k 0.00
Bharti Airtel Ltd. Telecom - services 141.8 2.58% -0.30% 3.36% (Jan 2021) 2.24% (Sep 2020) 2.70 L -0.20 L
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 2 (Category Avg - 0.15) | Modified Duration 0.00 Years (Category Avg - 2.85)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
T-Bills 0.01% 0.00%
NCD & Bonds 0.01% 0.00%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.01% 0.00%
Low Risk 0.01% 0.00%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Net Receivables Net Receivables 1.01%
TREPS TREPS 0.27%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th June, 2021)

  • Standard Deviation

    High volatility
    17.03vs16.07
    Category Avg
  • Beta

    High volatility
    0.95vs0.85
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.62vs0.72
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.11vs0.14
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -0.73vs1.61
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Quant Tax Plan - Direct Plan - Growth 5 257.55 7.25 22.40 51.43 112.51 32.87
IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth 5 3295.17 3.04 14.34 34.54 79.37 17.00
BOI AXA Tax Advantage Fund - Direct Plan - Growth 5 472.62 5.15 15.98 34.46 72.95 20.64
DSP Tax Saver Fund - Direct Plan - Growth 4 8962.61 4.51 16.09 30.48 65.56 19.02
Mirae Asset Tax Saver Fund - Direct Plan - Growth 4 8337.52 2.46 12.81 25.87 64.02 21.53
Franklin India Taxshield Fund - Direct - Growth 3 4739.14 0.81 12.50 23.70 63.07 12.81
Mahindra Manulife ELSS Kar Bachat Yojana - Direct Plan - Growth 4 383.93 3.23 15.72 29.71 62.42 15.39
Nippon India Tax Saver Fund - Direct Plan - Growth 1 11671.52 3.31 12.11 28.16 62.24 7.94
Motilal Oswal Long Term Equity Fund - Direct Plan - Growth 2 2184.94 5.19 16.58 27.33 61.25 13.51
UTI Long Term Equity Fund (Tax Saving) - Direct Plan - Growth 4 1974.27 4.11 14.41 23.39 59.84 16.55

More Funds from PRINCIPAL Mutual Fund

Out of 19 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 2 is/are ranked 3 * , 2 is/are ranked 2 * , 1 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Principal Emerging Bluechip Fund - Direct Plan - Growth 4 2840.76 2.75 13.93 28.95 65.10 16.33
Principal Hybrid Equity Fund - Direct Plan - Growth 4 1080.14 2.64 9.56 17.91 40.76 11.73
Principal Multi Cap Growth Fund - Direct Plan - Growth 3 775.27 4.57 18.21 30.16 62.50 14.84
Principal Focused Multicap Fund - Direct Plan - Growth 5 600.18 1.67 11.69 26.13 55.89 17.72
Principal Tax Saving Fund - Direct Plan 2 548.93 1.95 12.93 21.43 53.16 12.45
Principal Large Cap Fund - Direct Plan - Growth NA 457.31 2.32 10.67 18.32 0.00 0.00
Principal Small Cap Fund - Direct Plan - Growth NA 411.86 6.41 23.92 46.53 103.55 0.00
Principal Midcap Fund - Direct Plan - Growth NA 398.77 4.48 18.91 33.78 74.90 0.00
Principal Personal Tax Saver - Direct Plan 3 315.63 2.06 12.99 21.54 53.51 12.04
Principal Dividend Yield Fund - Direct Plan - Growth NA 218.26 2.94 12.55 24.48 52.16 15.16

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